US 2023/0054743 A1Published application

Multi-modal routing engine and processing architecture for currency orchestration of consumer rewards

AssigneeNew York Digital Investment Group LLC

InventorsPatrick Sells, Robert Gutmann, Yan Zhao Lee, Reuben Grinberg, Brian Langel, Anthony Magliacca

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Abstract

An integration system for a system of platforms includes an orchestration platform, a blockchain transactional platform, a digital transactional platform, a merchant system, a user trust platform, and one or more user devices connected to each other and a distributed ledger and/or a secondary mesh network via one or more networks. The blockchain transactional platform performs accesses and performs actions on the distributed ledger and/or the secondary mesh network. The digital transactional platform maintains transactional data indicative of an amount of first-domain value correlated to a user. The blockchain transactional platform maintains blockchain transactional data indicative of an amount of second-domain value correlated to the user. The orchestration platform manages data exchange, synthesis, fusion, analysis, and transformation between the components of the system, including for the orchestration of consumer rewards.

Claims20

Dependent claims

An integration system for a platform of platforms, comprising:

a digital transactional platform including:
a digital transactional module,
a transactional database including transactional data indicative of an amount of first-domain value correlated to a user and financial rewards data correlated to the user, and
a digital transactional programming interface configured to provide access to the digital transactional module and the transactional database;
a blockchain transactional platform including:
a blockchain transactional module,
a blockchain transactional database including blockchain transactional data indicative of an amount of second-domain value correlated to the user, and
a blockchain transactional programming interface configured to provide access to the blockchain transactional module and the blockchain transactional database;
and
an orchestration platform including:
an orchestration module,
an analysis module, and
an orchestration platform programming interface configured to provide access to the orchestration module;
wherein the orchestration module is configured to:
access the transactional database through the digital transactional programming interface to retrieve the transactional data and the financial rewards data,
access the blockchain transactional database through the blockchain transactional programming interface to retrieve the blockchain transactional data,
provide the transactional data, financial rewards data, and blockchain transactional data to the analysis module to determine a digital transfer allocation,
generate a digital transfer allocation payload based on the digital transfer allocation, and
send the digital transfer allocation payload to the digital transactional programming interface and the blockchain transactional programming interface;
wherein the digital transactional programming interface is configured to, in response to receiving the digital transfer allocation payload, instruct the digital transactional module to modify the financial rewards data;
and
wherein the blockchain transactional programming interface is configured to, in response to receiving the digital transfer allocation payload, instruct the blockchain transactional module to initiate a transfer of second-domain value to the user.

19 more elements

A computer-implemented method of automatically managing networked computer platforms, comprising:

accessing, from an orchestration module, a transactional database through a digital transactional programming interface to retrieve transactional data and financial rewards data, wherein:
the orchestration module is part of an orchestration platform, the orchestration platform including an analysis module, and an orchestration platform programming interface configured to provide access to the orchestration module,
the transactional database and the digital transactional programming interface are part of a digital transactional platform, the transactional database includes the transactional data indicative of an amount of first-domain value correlated to a user and financial rewards data correlated to the user, and the digital transactional programming interface is configured to provide access to the digital transactional module and the transactional database;
accessing a blockchain transactional database through a blockchain transactional programming interface to retrieve blockchain transactional data, wherein:
the blockchain transactional database and the blockchain transactional programming interface are part of a blockchain transactional platform, the blockchain transactional platform includes a blockchain transactional module, the blockchain transactional database includes the blockchain transactional data that indicates an amount of second-domain value correlated to the user, and the blockchain transactional programming interface is configured to provide access to the blockchain transactional module and the blockchain transactional database;
providing the transactional data, financial rewards data, and blockchain transactional data to the analysis module to determine a digital transfer allocation;
generating a digital transfer allocation payload based on the digital transfer allocation;
sending the digital transfer allocation payload to the digital transactional programming interface and the blockchain transactional programming interface;
receiving the digital transfer allocation payload at the digital transactional programming interface;
in response to receiving the digital transfer allocation payload at the digital transactional programming interface:
instructing the digital transactional module to modify the financial rewards data, and
instructing the blockchain transactional module to initiate a transfer of second-domain value to the user.

9 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/977,598Filed 31 Oct 2022
Priority: 27 Jul 2020
Published: 23 Feb 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification13 codes

G06Q 20/389
Payment protocols; Details thereof: keeping log of transactions for guaranteeing non-repudiation of a transaction
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/065
Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme: using e-cash
G06Q 20/0658
Using e-cash: e-cash managed locally

Family

Application63/057,079Us provisional application · filed 27 Jul 2020
Application17/512,980Continuation in part · filed 28 Oct 2021
Application63/290,862Us provisional application · filed 17 Dec 2021
Application17/969,553Continuation · filed 19 Oct 2022
Application17/977,598Continuation
Application17/969,553Continuation in part
Application17/512,980Continuation
US 2022/0051219 A1Published application
US 2023/0043702 A1Published application
US 2023/0054743 A1This patent

From the US filing history. Foreign family members aren’t listed.

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